A Fresh Start With A Chapter 7 Bankruptcy Attorney Serving The Metropolitan Kansas City Area And Beyond
Last updated on March 13, 2026
When debt becomes unmanageable, you need a clear path toward stability. It is time to turn to attorney Annie Wehage-Zickwolf and her Missouri legal team. With more than 25 years of legal experience and a background in health care administration, she knows the true impact of medical bills and other debt. At the Wehage-Zickwolf Law Firm, LLC, she provides a calm, grounded environment to explore your options for Chapter 7 bankruptcy.
Is Chapter 7 Bankruptcy Right For Me?
Chapter 7 bankruptcy allows individuals to discharge unsecured debt. Many people know Chapter 7 as liquidation bankruptcy, since it may involve selling certain assets. Fortunately, the vast majority of filers do not lose their homes or vehicles.
To qualify, you must meet certain Chapter 7 eligibility requirements. The Chapter 7 means test compares your income to the median household income in Missouri. As of late 2025 and early 2026, the income limits for Chapter 7 in our state are:
- One earner: $63,306
- Two people: $79,971
- Three people: $97,658
- Four people: $115,491
If you qualify, the court can grant a discharge for debts such as:
- Medical debt
- Credit card bills
- Utility bills
- Some civil court judgments
- Personal loans
Once you file bankruptcy, the court places an automatic stay that also stops collection lawsuits, wage garnishments and harassing phone calls. The entire process usually takes about four to six months to complete.
Why You Need A Chapter 7 Bankruptcy Lawyer
Filing for bankruptcy involves strict deadlines and complex financial disclosures. A mistake in your paperwork can force you to start all over again, which may be very expensive. In addition to filing the paperwork correctly, a Chapter 7 debt relief attorney can maximize your exemptions and explain the court rules. Annie Wehage-Zickwolf handles the technical details so you can avoid the stress of handling bankruptcy on your own.
Reclaim Your Financial Stability: Schedule Your Consultation
The Wehage-Zickwolf Law Firm, LLC is here to guide you through every step of Chapter 7. We provide the practical tools to wipe the slate clean. To schedule a consultation and learn more about qualifying for Chapter 7 bankruptcy, please call us at 816-368-1543 or reach out by email.
Wehage-Zickwolf Law Firm, LLC is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.